Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$244,601Cash toward the purchase price.
Closing costs + prepaids$10,389Not just lender fees.
Before credits & paid funds$254,989The complete starting cash picture.
Estimated remaining funds due at closing
$254,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,600.77
Your down payment$244,600.77
Closing costs + prepaids$10,388.66
Total buyer cash needed$254,989.42
Remaining funds due$254,989.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,300.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$556.25
Initial HOA (3 months)$37.50
Prepaid interest, first (28 days)$269.91
Fees + prepaids$10,388.66
Your down payment is the seller’s equity. You take over the $85,399 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $254,989.42 is due at closing. Uses and sources reconcile at $340,388.66 each. Not a Closing Disclosure.